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nebraska homeowners insurance

The Cornhusker State is famous for many things — like miles upon miles of farmland, heavily forested valleys, and grassy, open plains — but high homeowners insurance rates doesn't have to be one of them. With an Esurance policy, you get flexible, affordable coverage options and wallet-friendly discounts.

Homeowners insurance protects your home and belongings, covers liability expenses if you're caught in a lawsuit, and even helps tackle medical bills if a guest is injured on your property. Get a free quote for Nebraska home insurance and see how affordable coverage can be.

pluses of an esurance policy

Flexible payment schedule

Protect your home without compromising on convenience. One of the perks of an Esurance policy is a convenient 12-month policy term, which you can choose to pay:

  • Monthly
  • With your escrow account
  • All up front

5 percent back with claim forgiveness

When you have this feature, if you're claim-free at the end of your term, we'll happily knock up to 5 percent off your premium.

Even if you end up filing a claim, you can keep your Claim-Free discount. Plus, your rates won't increase due to a one-time mishap.

Customizable coverage limits

Your home — whether it's a one-bedroom beauty or a mansion with a mudroom — is unique. That's why we offer a range of coverage limits for you to choose from, so you get a policy that's specific to your needs.

discounts on home insurance in nebraska

Wouldn't it be nice if you could save even more on home insurance? At Esurance, we think so, too. We help you save with an assortment of discounts to help keep money in your wallet (and even put some back!).

Welcome Home discount

Whether you're a brand-new homeowner getting first-time coverage or coming to us from another home insurer, we automatically grant you savings on your first 2 policy terms.

Preferred Buyer discount

You get this discount simply for getting a policy with Esurance. By remaining a responsible customer and making on-time payments, you'll continue to save with us.

Home Safety Features discount

Everyday safety features like smoke detectors, deadbolt locks, and burglar alarms provide you security and savings. When you help prevent incidents like fire or theft, we reward you with a discount.

New Home discount

Are you the original owner of your home? Just insure it with Esurance within 12 months of its purchase or completion date to get this discount. Not the original owner? That's okay — you'll still nab this discount by insuring your home within 5 years of purchase.

Multi-Policy discount

Get even more savings when you bundle your home and Nebraska auto policies with Esurance, easy as can be.

More home insurance discounts in Nebraska include the Claim-Free discount, Hail Resistant Roof discount, Smoke-Free discount, DIY Inspection discount, Future Effective Date discount, and the Loyal Customer discount.

standard nebraska home coverages

Your homeowners insurance sometimes needs to do more than simply protect the structure of your house. That's why your Esurance policy also covers things like your family's liability, accidental injuries or damages you (or someone on your policy) might be held responsible for, furniture, appliances … the list goes on.

With Esurance, you get access to a wide array of coverages that come standard with your home policy in Nebraska.

Dwelling protection

The Cornhusker State, green and gorgeous though it may be, is no stranger to tornadoes and other seasonal disasters. If a covered risk like wind, fire, or hail damages your house, your home insurance can help cover the costs to repair or rebuild.

It's a good idea to purchase at least enough dwelling protection coverage to cover the cost of rebuilding your entire house. And you can always increase your coverage limit if you'd like.

Family liability protection

Accidents happen, and when they do, it's good to have insurance. If you or someone or your policy accidentally injures someone or damages a neighbor's property, this coverage could help pay for medical bills and your liability costs. Plus, there's no deductible associated with this coverage.

Personal property protection

How do you protect the things inside your home? Fortunately, your homeowners policy helps safeguard your belongings, like electronics, furniture, clothing — the things that make your house a home.

Guest medical protection

A spill in the kitchen or a loose banister on your stairs can do a number when you least expect it. If a guest is hurt on your property, though, your coverage can help pay for their medical expenses, whether or not you're liable for the injury. You don't even need to pay a deductible for this coverage to kick in.

Additional living expense coverage

If a covered loss (like a kitchen fire, for instance) renders your home temporarily unlivable, this coverage will help pay for you to live elsewhere in the meantime. It helps cover your food, hotel bill, and other reasonable expenses for up to 12 months (up to your coverage limit), or until it's safe to move back into your house.

optional coverages for added protection

When you get a quote for homeowners insurance in Nebraska, you'll see that we also offer many optional coverages to help you get even more protection from your policy.

Identity theft expense coverage

Few things are more upsetting (not to mention expensive) than having your identity stolen. This coverage helps pay to restore your identity to its rightful owner.

For just $3 a month ($4 for 2 people), we provide you with a service dedicated to fixing the damage done to your name and credit after your identity's been stolen. You'll also get access to an annual credit report and score, monthly credit file monitoring, and even an ID theft advisor.

Additional coverage for jewelry, watches, and furs

Certain items, like a gold watch or an expensive fur, might exceed the limits of basic personal property coverage. That's why we offer high-limit coverage on treasures that would otherwise cost you a fortune to repair or replace, even jewelry, silverware, and other valuables.

Eco upgrade

If an energy-inefficient appliance in your home is damaged by a covered incident, our eco upgrade coverage helps you pay to replace it with an ENERGY STAR qualified product.

Building codes coverage

If your home is damaged and newer codes require rebuilding that costs more than your homeowners insurance covers, this coverage will pay the difference up to your limit.

Related links

Buying a new home
Check out some of the steps you need to take before sending out those housewarming invitations.

7 money-saving home maintenance tips
Learn how some simple home maintenance can help save you money down the line.

Wonder if you could be saving on homeowners insurance?

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